Select Home Warranty

Complaint: [redacted]
I am rejecting this response because:  I think my statement about their business practices says it all.  To say they don't understand my complaint is ridiculous.  I am not asking them for a remedy.  The complaint is to let them know how I feel they run their business.
Regards,
[redacted]

We spoke with the customer and assisted with the claim.

The customer has already been refunded and has also disputed with their credit card company.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in...

reference to complaint ID [redacted], and am still waiting for the invoice from the heat and air company so that I can submit it for reimbursement.
Regards,
[redacted]

The issue is not with the policy as with the the customer was unable to provide the required documentation, as the policy was transferred over we do ask the customer please review the Terms of Agreement.

The maximum approved allowance on the customers claim is $150. Per the diagnosis received the parts needed replacing are considered fixtures which the customer does not have coverage for. The customer was originally approved for $130 which is towards the snaking costs but we went ahead and increased...

it to $150. If the customer wishes to add the plumbing/fixtures coverage we can have that added on for an additional cost which would give this customer coverage for all future fixture related claims. No additional funds due at this time.

We have spoken to the customer and have sent them a reimbursement form for their current claim. As soon as we receive their signed reimbursement we can process their check. We have also provided the customer with a waived service call fee on their next claim.

Complaint: [redacted]
I am rejecting this response because: I UNDERSTAND THE AGREEMENT DOES NOT COVER THE SHINGLES REPAIRS WHICH IS ( $728.05), BUT I WAS REFERRING TO MY AGREEMENT THAT SAID (6.4.2. LIMITED ROOF REPAIRS: THIS AGREEMENT APPLIES TO ROOF LEAK REPAIRS OVER THE OCCUPIED LIVING AREA OF A SINGLE FAMILY HOME. THIS AGREEMENT COVERS THE ROOF LEAKS ONLY.MY REPAIRS OVER THE OCCUPIED LIVING AREA IS ($476.75)
Regards,
[redacted]

Select Home Warranty has received the invoice and will update the customer on the status of the claim on Wednesday, November 25.

Per the diagnosis received Sediments are not covered under our contract. The customer was however approved as a courtesy towards the repairs of their claim which was $350. That is the maximum allowance we will provide for this claim as the customers claim is denied. They were offered a courtesy...

approval. No additional funds due at this time.

The customer has a 150.00 cap on their garage door opener, we advised the cusotmer after paying the technician 45.00 they have a total of 105.00 left to be paid out on the claim.The customer was not satisfied with this response and requested to cancel their policy, the total amount of the job is...

187.43, after paying the 105.00 the customer would only have had to pay 82.43, they still requested to cancel.The cusotmer was issued a pro-rated refund on 09/07/2015 as per the Terms of Agreement, which the cusotmer signed and initialed and sent back to us stating that they agree to all of terms of the contract with Select Home Warranty.

Select Home Warranty has addressed the issue with the claim, a technician was sent to the home and the issue was diagnosed

A technician has been assigned to the customers electrical claim. They should be contacting the customer shortly to schedule an appointment. Below is their information: Electric Doctor###-###-####

Complaint: [redacted]
I am rejecting this response because: I have been attempting to resolve this in...

a timely manner and I feel as if Select isn't attempting to resolve this in good faith. At this point there are 2 options to resolve this matter. They are outlined below:  1) My preferred resolution after dealing with this matter for 2 months, spending endless time on the phone, being forced to have a contractor come into my home to determine that the components are covered and still having to fight to have the claim paid per the contractor you retained is that Select pays the $835 to completely fix my garage door opening system as was outlined at the time of sale and continues to be outlined by their sales reps as being completely covered. If Select chooses this, I will cease filing complaints and follow up with the ones I have filed to date as "resolved". 2) Realizing that Select has largely been unwilling to pay for the total value of the claim despite the contractor Select hiring telling you the price, and your sales reps telling me all components are covered. I will settle with Select issuing me a check for the amount of $565. $505 for my policy + the $60 service fee. I believe this is fair since I would not have incurred the $60 fee had Select issued me a refund at the time I requested it (upon realizing there was no signed and valid contract.) If this is the resolution Select prefers, I will continue filing complaints and alerting government entities of Select's fraudulent contract practices,   misrepresentations at time of sale, unconscionable business practices and bad faith claims handling.   If neither of these options is acceptable to you, I will continue filing complaints with governmental entities to fully investigate your companies business practices. And if Select continues to be unreasonable in reaching a resolution, I will seek counsel. I have done a fair bit of case law research and have determined that according to N.J. Citizen Action v. Schering-Plough, Corp., 367 N.J. Super. 8, 12-13 (App. Div.), certif. denied. 178 N.J. 249 (2003). And N.J.S.A. 56:8-2 (fraud in sales or advertisements), I am entitled to legal, equitable relief, treble damages and reasonable attorney’s fees, and all I need to prove is unlawful practice (ie contract over $505 has to be in writing and signed, intentional misrepresentation, defrauding consumer, etc.) which caused me an ascertainable loss, IE $835 to fix my garage door opener and components that were represented to me as covered. If I have to seek legal counsel I will seek all of the above and punitive damages for the above referenced egregious acts.
Regards,
[redacted]

Please see attached invoice received from the customers technician. Per the invoice received they replaced all cracked and chipped shingles above living room area. Applied roof sealer to expose all nail heads. The customer was already informed that per section 6.4.2 shingles are not covered under...

their contract. The customers claim was denied. No additional funds due at this time.

Again we do apologize but the policy terms are clear and the customer has signed the policy agreement. We are more then willing to help the customer with any concerns.

Select Home Warranty would like to apologize to the customerfor any misunderstanding regarding his plumbing coverage.Our warranty covers repairs to the plumbing system thataffect the use of water in the home that a customer cannot repair themselves.On our website under plans it clearly states:Please...

take advantage of the Optional CoverageBelow:·        Pool·        Central Vacuum·        Second Refrigerator·        Sump Pump·        Well Pump·        Roof Leak·        Stand Alone Freezer·        Lawn Sprinkler System·        Septic System·        Ice Maker (InRefrigerator)·        LightingFixtures/Plumbing Fixtures·        Additional ACUnit(each)·        AdditionalHeat/Furnace(each)·        Addi...⇄ WaterHeater(each)·        Spa I have also enclosed a copy of the customers contract whichstates on the first page that there is optional coverage available for plumbingfixtures and that the customer has not selected any optional coverage.

Hot water heaters that completely fail and leak are not covered.  select selects what they cover after salespeople sell everything being covered.  classic bait and switch. You think you are covered and then the fine print allows them to avoid responsibility. I don't expect them to change their party line that leaks aren't covered just warn any contemplating a home warranty company to select another one. They should be sued for bad faith. They violate the spirit of their agreement with clever rhetoric. I had american home shield that covered everything and was talked into select which is slow to act ,10days, but never covers anyway.  put your premium in the bank you can cover your own repairs  hopefully  we can use the electronic media to warn the unwary. Of their sharp business tactics.  thanks for your help and select. Another one.

Per section 8.3 of the customers warranty agreement they have been approved for the maximum allowance of $200 towards their claim which was increased from the original $150. No additional funds due at this time.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Although, they have not contacted me today and they said that they would be contacting me today. Select Home Warranty is not fulfilling their obligations to call us.
Regards,